What happens if your insurance is cancelled due to nonpayment?
I missed two months of insurance payments. Will they send me to collections? Can I call to try and pay part of it?
Answer provided by
Answered on Jun 14, 2021
Emily Maracle is a car insurance specialist living in New York. Originally from the Pacific Northwest, she has a degree in English Literature and a background in customer service. She enjoys cooking, gardening, and living sustainably. In the future, she can't wait to upgrade to a hybrid or electric car.
“If your car insurance company cancelled your insurance due to non payment, they normally wouldn’t send your account to collections. This is because if you don’t pay your insurance, you simply aren’t insured.
While you did enter into a contract with your insurance company, you are paying on a month to month basis. Since you missed two months, you weren’t insured for those months. They can’t send you to collections for something you didn’t use.
If you’d like to stay with your insurance company or reinstate your policy, you will most likely need to pay the prior balance before they’ll start another policy. This may include additional fees for nonpayment as well. You can always reach out to them directly to confirm what you owe. “
Did this answer help you?
Ask us a question by email and we will respond within a few days.
Have a different question?
You can meet us at our office and discuss the details of your question.
Browse by topics
What others are asking
Can my insurance company force me to download their driving behavior app?
My insurance company keeps raising my premium and said I will need to download their driving behavior app if I want to save money. Can they force me to download the app? Should I just switch companies?
Apr 21, 2021
How good is Urgently's roadside assistance service and what does it cover?
"I was shopping for a roadside assistance company and came across Urgently. I don't know much about them. Is it a good service? What do they cover?"
Jun 23, 2021